Sending money through Facebook Messenger: What you NEED to know
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What you need to know about Facebook Messenger’s payment system

Facebook is everywhere. Since 2015, its payment system has been too.

Facebook has attempted to solve a problem we’ve all experienced: splitting drinks among colleagues after work or forgetting to pay your roommate after sharing an Uber back home.

Facebook Messenger now combines transferring money with its familiar messaging system for easy payments to friends and family in your network.

How do I request and send money through Facebook?

1. Create or sign into your Facebook account. You’ll need to be active with Facebook to access Facebook Messenger and begin sending money to your contacts.

2. Start your transfer. Create a new message and click the dollar sign at lower right. A smaller pop-up window will ask you to input the dollar amount you’re paying or requesting and what the payment is for. You can transfer money between other Facebook users only.

step 2a facebook money transfer

step 2b facebook money transfer
3. Add your debit card. Enter your debit card info and click Pay. Your money will be withdrawn and sent directly to your recipient’s debit account as soon as your bank approves the transaction.

step 3 facebook money transfer

What happens when someone sends or requests money from me?

1. You receive a message on Facebook. Notification of your request or payment will appear in Messenger just like any other message.

2. Accept or deny the payment request. If you accept the request, the amount will be withdrawn from your linked debit account. If you deny it, the person who requested the money will receive notification.

step 2 facebook money transfer request details

3. Accept or deny the payment. If you’ve received a payment, you can accept it for immediate deposit to your linked debit account. You can also deny the payment if you don’t recognize the sender or are otherwise wary.

Is Facebook’s payment system safe?

Because Facebook allows payment and receipt through debit card only, the Payment Card Security Industry Security Standards Council, which rates the safety of credit card transactions, does not give Facebook a security rating. However, Facebook’s payment system hasn’t suffered a single security breach since its launch in March 2015. To safeguard your money and transaction details, Facebook encrypts payments and user information. It also requires you to confirm your identity at times, either with personal information or PINs.

Like other similar services, Facebook’s payment system is susceptible to scams. Avoid clicking on links in messages from people you do not know or pay people you have not met in person.

Tips to keep your finances safe on Facebook

If you decide to eventually use Facebook for managing your money, consider the following tips.

  • Password. A password helps to keep your financial information secure. After your first successful transaction, you’ll see a prompt asking if you’d like to use your password for future transactions. You should definitely do this to stay on the safe side, and of course, always keep your password secure and secret.
  • Scammers and hackers. Don’t let this new functionality make the work of scammers and hackers any easier. Alarm bells should instantly sound if a friend or friend-of-friend requests money out of the blue, without prior discussion. That person’s Messenger account could have been hacked, so make sure you’re communicating with the right person by calling or video-chatting with them before you make a payment.
  • Personal details. Remember to never share your personal details with people you don’t know. When you want to exchange personal information with a trusted friend, it would be smart to send it using a different app or platform so that your information can’t be easily compromised by any single app or website.

Ultimately, Facebook Pay could make life simpler when it comes to things like splitting the dinner bill or repaying a friend for a movie ticket. It’s quick and easy and, best of all, free.

Pros

  • Safety backed by Facebook. The social networking giant encrypts every message sent through its messaging service and uses a second layer of encryption for money transfers. If you have a newer iPhone or iPad, you can use your fingerprint to complete your transaction.
  • Easy payments through a familiar system. If you already use Facebook Messenger, sending money is a natural extension of something you already do.

Cons

  • Limited to debit cards. Facebook doesn’t allow payment by credit card or integration with PayPal.
  • Up to five days for receipt. Although money is transferred right away, you may have to wait a few days for your bank to approve the transaction.
  • Businesses can’t use it. Facebook supports personal transactions between family and friends only.
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65 Responses

  1. Default Gravatar
    MandyApril 24, 2018

    I declined a payment on fb because I didn’t have a card I could use how lomg does it take for it to go back to the person it came from

    • Staff
      JoanneApril 25, 2018Staff

      Hi Mandy,

      Thanks for reaching out.

      If your money is sent back to you or is declined, your bank may take up to 3-5 business days to make it available to you.

      Hope this helps,
      Joanne

  2. Default Gravatar
    AnthonyApril 19, 2018

    How do I know if the person got the money?

    • Staff
      joelmarceloApril 20, 2018Staff

      Hi Anthony,

      Thanks for leaving a question on finder.

      Once money is received, you will get a notification in messenger like how someone would send you a message. Also, if you are enrolled to online banking, you can check if the amount is debited to you to be sure.

      Cheers,
      Joel

  3. Default Gravatar
    SteveApril 18, 2018

    Is this service available in Denmark via Canada. Also are there fees associated with this service?

    • Staff
      AnndyApril 19, 2018Staff

      Hi Steve,

      Thanks for your question.

      The Facebook Messenger Payment System is currently not available in Denmark and Canada.

      Kindly note that you can only send or receive money through Facebook if you are a resident of the United States, France or the United Kingdom.

      Cheers,
      Anndy

  4. Default Gravatar
    SueApril 17, 2018

    I purchased a horse and paid for it through FB paypal. 2 days after horse arrived, the farrier was called out because horses foot was swollen, called the seller and explained, she was going to call me back, but never did. We have given the horse 4 weeks to see if the swelling would go down, now Veterinarian did Cray and says it’s osteoarthritis from an old injury. Is it too late to get PayPal to help us get our money back?

    • Staff
      JoshuaApril 18, 2018Staff

      Hi Sue,

      Thanks for getting in touch with finder.

      I can imagine how frustrating your situation can be. However, when you have sent money through FB messenger, you won’t be able to have it back. The money you sent is automatically taken out from your account once it was accepted by the receiver.

      However, you can ask your friend to give back the money. If this won’t work, you may simply meet with your friend in person to discuss the problem.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  5. Staff
    joelmarceloApril 17, 2018Staff

    Hi Annice,

    Thanks for leaving a question on finder.

    To decline money someone has sent you,

    1. Open the conversation containing the money someone sent you.
    2. Click Add Debit Card.
    3. Click Next.
    4. Click Decline Payment at the bottom.

    That’s it!

    Cheers,
    Joel

  6. Default Gravatar
    AnniceApril 16, 2018

    Somebody just sent me money how do I decline it can only shows on Messenger to accept The money not how to decline it

  7. Default Gravatar
    YenApril 14, 2018

    I have been using messenger to send and receive payments in the USA. My question is, I will be travelling to UAE for vacation will I still be able to send or receive money while overseas?

    • Staff
      JhezelynApril 14, 2018Staff

      Hello Yen,

      Thank you for your comment.

      Unfortunately, sending money through facebook messenger is not available in UAE yet. This is only available to selected countries.

      Regards,
      Jhezelyn

  8. Default Gravatar
    PaulyApril 12, 2018

    I used Messenger to send money. The person recieving didn’t have a proper Debit card to receive the money. She canceled the money. I was notified on messenger.
    The money is still not in my bank account after 3 days, how long will it take to get back into my bank account?

    • Staff
      jenivelascoApril 12, 2018Staff

      Hi Pauly G,

      Thank you for getting in touch with finder.

      If your friend hasn’t added a debit card to her account, the payment will be automatically canceled after 14 days.

      Any canceled payments sent in Messenger will be refunded to your debit card, typically within 3-5 business days.

      If you have any further questions about canceled payments, you may let them know by filling out this form.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  9. Default Gravatar
    LibsaroApril 4, 2018

    Can I send money to someone who uses just the messenger app without a Facebook account or do they need to have one?

    • Staff
      joelmarceloApril 4, 2018Staff

      Hi Libsaro,

      Thanks for leaving a question on finder.

      You can transfer money between other Facebook users only. You will have to ask your recipient to create a facebook profile to receive your funds. It will only take a couple of minutes to sign up for facebook. :)

      Cheers,
      Joel

  10. Default Gravatar
    thehockeyguy44April 3, 2018

    hello, I would like to know if I send money through facebook to pay for items to be shipped to me and after some time I never get the items or the other person I send the money never answers back how to u try and get ur money back

    • Staff
      joelmarceloApril 3, 2018Staff

      Hi there,

      Thanks for leaving a question on finder.

      To request a refund for something you’ve purchased from a Page on Facebook:
      -Click on the triangle pointing down in the top right of Facebook and select Settings
      -Click Payments in the left column
      -Click the item you want a refund for
      -Click Contact Seller
      -Fill out the form and click Send

      Hope it helps.

      Cheers,
      Joel

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